(3) Entitled to four Free Supplementary Cards until further notice. Annual fees will be applied on the 5th supplementary card and onwards.

(4) Includes cash withdrawal at ATMs, Exchange Houses or similar, transfer of the original cover of the Card to any ADIB Account. This will also include all Transactions at merchants classified as "Security Brokers/Dealers" (under Visa Merchant Category Code 6211) including but not limited to National Bonds Corporation Transactions. The new ATM Cash Withdrawal fee (3% of the Transaction amount or AED 99, whichever is greater) shall be applicable on these Transactions from 1st October 2017, and until such date the existing ATM Cash Withdrawal fee (3% of the Transaction amount or AED 90, whichever is greater) shall continue to be applicable on these transactions. Additionally, such Transactions will not qualify for Etihad Miles, Cashback or any other reward scheme.

(5) For damaged Cards, no fee shall be applicable if the Cardholder delivers the damaged Card to the branch.

(6) Added to the Non-AED transactions' wholesale foreign exchange market spot rate that is selected and applied by Visa on the date of conversion. The new Non-AED Transaction Service Fee (3.1% of the transaction amount) includes the Visa International Service Assessment Fee and shall be applicable on these Transactions from 1st October 2017, and until such date the existing Non-AED Transaction Service Fee (3% of the transaction amount) which already includes the Visa International Service Assessment Fee shall continue to be applicable on these such transactions.

(7) For transactions that take place outside the UAE where the Cardholder pays the merchant in AED. The new AED International Transaction Service Fee (1.8% of the transaction amount) shall be applicable on these Transactions from 1st October 2017, and until such date the existing AED International Transaction Service Fee (1.5% of the transaction amount) shall continue to be applicable on these such transactions.

(8) The Monthly Contribution includes the Monthly Takaful Contribution and the fee of the arrangement, distribution and other services related to the Takaful scheme. For all Cards including Supplementary Cards, Monthly Contribution amount shall be linked to the Principal Card.

With effect from 1st January 2018, a standard rate of 5% Value Added Tax ( VAT ) applies on the above fees as per the UAE VAT Law (Federal Decree-Law No (8) of 2017 on Value Added Tax) and shall be added on the top of the above fees that are subject to VAT and shall be payable on the same due date of such fees ​

Required Documents:

​Original and copy of valid passport

Original and copy of valid Emirates ID

Bank account statement (last 3 months)

Salary certificate from current employer​ (not more than 30 days old)​